You Need A Budget Reviews in April 2025: User Ratings, Pros & Cons

Great Data Visualization

I find the spending report in the web-app very useful to get a grasp of how much I spend in each category relative to every other category. I can drill-down into a category to see an even more detailed look at where exactly I spent money in the category. Unfortunately, the mobile app doesn't show this report. Both the mobile and web apps are easy to use. I mostly approve (and occasionally categorize new payees) on the mobile app, and view the report on the web-app. Overall, well worth the ...

Easy to learn

YNAb has been easy to learn and changed the way I do my budget. I took the time to watch the videos and podcasts and learn the program. It’s lessened our money stress so much.

Great tool for helping see what's up

YNAB has done a better job at helping (or making) me take a harder look at my finances and budget--at least better than the other budgeting/finance software programs I've tried. Honestly, the biggest assist that YNAB offered was their "philosophy" of how to plan to spend The next biggest help was the graphical interface and how it clearly (at least to me) shows where I'm at given the goals and needs I have. I will say I've waited a full year to write this review since I wanted to have a ...

YNAB is life changing

YNAB gives people control of their money and the confidence that comes from that is unbelievable. I code my transactions every day on the app which takes 2-3 minutes. This gives us total awareness of our spending in real-time and allows us to make informed purchasing decisions (previously we had no idea how much we spent on anything but now we know to the cent how much we spend on any of our categories which has allowed us to make some pretty simple life changes to save money - e.g. we were ...

Absolutely 5 Stars!

My wife and I love YNAB! We tried 30 days for free after researching numerous platforms. By the end of the free trial, we had crested the learning curve and then never looked back! We have now used YNAB for a little over a year That being said, there is a bit of a learning curve but YNAB (and others) have tons of helpful and accessible resources on how to set up and use YNAB effectively. Before YNAB, I used a variety of free budgeting programs, but my experience was that you get what you ...

Has helped us keep on top of our budget.

Date of experience: February 19, 2024

Get Control

From living paycheck to paycheck to having money in the bank. It’s been a radical change in our relationship with money and we’re meeting our goals.

YNAB has totally changed my financial…

YNAB has totally changed my financial life. I've already had the basic knowledge of budgeting and how to do it. I have been a follower of the Dave Ramsey style which helps a lot. But being a bit of a technology geek, I've had a hard time really sticking to my budget. YNAB has made it entirely possible with having an app as well as the website app. It was a bit of a thought process change as it's not quite exactly like the Ramsey style but it's close enough. The little bit of time I've had ...

Best budget I've used

I've had YNAB for over two years now. I can't imagine using something different. It's the best interface and helps me actually save money with categorization rather than just telling me how much I've spent. Can't recommend enough.

Great user experience

I like YNAB because they are focused on the user experience. They constantly make updates and improvements. Also, the software is flexible enough that I can approach budgeting in the way that makes sense to me.